Are there any fees for paying back credit cards across banks?

Under normal circumstances, inter-bank transfers require a certain handling fee whether it is transferred to a bank card or a credit card. The specific amount depends on the repayment amount

1. Inter-bank repayment is the same as inter-bank transfer. It is equivalent to remitting money from one bank to another bank account. The bank transferring out will charge you a certain handling fee.

The handling fee has a certain relationship with the transfer amount and whether it crosses regions. There are differences among banks. Among them, the four major state-owned banks charge 1% of the transfer amount, China Construction Bank charges 2 yuan, and other banks charge 2 yuan. The minimum is 1 yuan and the maximum can be 50 yuan.

2. You can also transfer funds through bank securities: instant and free transfer. List all the banks that support bank-securities transfers (Industrial and Commercial Bank of China, Bank of China, Agricultural Bank of China, China Construction Bank, China Guangfa Bank), so that the funds of these five banks can be regarded as one bank. To which bank should you repay the money, call this bank You can transfer it to that company, but the prerequisite is to apply for automatic repayment first, but then it will become a third-party escrow.

Is there a handling fee for inter-bank credit card repayment?

There is a handling fee for inter-bank repayment of credit card. Inter-bank repayment is the same as inter-bank transfer, which is equivalent to transferring money from bank A to bank B. For bank accounts, Bank A will charge a certain amount of handling fees. The amount has a certain relationship based on the transfer amount and whether it crosses regions. Each bank is not necessarily the same. Among them, the four major state-owned banks of Industry, Agriculture and Construction charge a fee of 1% of the transfer amount. , except for China Construction Bank, which has a minimum of 2 yuan, other banks have a minimum of 1 yuan, and a maximum of 50 yuan. .The most convenient way is to transfer money via bank transfer: it will arrive instantly and free of charge. All banks that support bank-securities transfers are listed, so that the funds of these five banks can be regarded as one bank. You can just call the bank to transfer the money to that bank. Unfortunately, it will become a third-party custodian in the future. .via online transfer. Online transfer through Agricultural Bank of China credit card: It is completely free across banks or different places, but it does not arrive immediately. Generally, transfers in the morning will arrive at 6 p.m. Combined with the first method, you can transfer money from several banks to any bank, and it is free whether in the same city or in another place. .Online transfer through China Merchants Bank credit card: 2 yuan per time for regular card, 1 yuan for gold card, and free for golden sunflower. Transfers with Golden Sunflower are faster, transfers to ICBC usually take 2 hours for small amounts, and may take until the afternoon for large amounts, while Pujin Card is relatively slower and usually takes the next day. One advantage is that the professional version of China Merchants Bank can plan transfers, and repay the money automatically after setting the transfer date and amount after receiving the bill. In the future, third-party escrow will have to be repaid by transfer from China Merchants Bank. \Summary: Inter-bank transfers waste time and may incur handling fees, which is not cost-effective. The best way is to make third-party repayment without handling fees.

How to repay a credit card across banks without paying handling fees? Learn about these free repayment channels

When we transfer money to repay a credit card, we often encounter situations where the issuing bank of the credit card and the repayment card are inconsistent, which requires repayment across banks. Different inter-bank repayment channels may involve handling fees, and many cardholders are not willing to pay this money and want to know if there are any free repayment channels. Don't tell me, there really is one, and there are more than one. Let's take a look.

How to repay a credit card across banks without paying handling fees?

If you use free repayment channels, you definitely don’t have to pay handling fees. Common free repayment channels include mobile banking and third-party platforms, which are introduced here:

1. Mobile banking:

Free repayment is available across banks through mobile banking. However, It depends on how each bank stipulates it. However, there are more than 20 mainstream banks with mobile banks that do not need to pay handling fees, whether it is inter-bank repayment or intra-bank repayment, such as the five major state-owned banks of China Industrial Bank, Bank of China, Agriculture Bank of China, Construction Bank, and Communications Bank, as well as joint-stock banks such as China Merchants Bank, Industrial Bank, and Minsheng Bank. commercial bank.

It is worth mentioning that inter-bank credit card repayments through mobile banking can usually be credited within 24 hours, and can be credited in real time at the fastest. However, it may take 1 to 3 working days to arrive, depending on the beneficiary bank and repayment time.

2. Third-party platform:

It can be divided into two types, one is the UnionPay Cloud QuickPass APP, and the other is the credit card repayment function of other e-commerce platforms.

There is no handling fee for repayment on the UnionPay APP, and it is usually credited within 24 hours. You can also get red envelopes for repayment, which can be used to offset the repayment amount.

Other credit card repayment functions are provided by third-party platforms including Meituan, JD Finance, Baidu Wallet, etc., and there is no need to pay handling fees, but the payment speed may be slower.

The above is the relevant introduction to "How to repay a credit card across banks without paying handling fees?", I hope it will be helpful to everyone. It should be noted that when you use the free channels introduced above to repay your credit card, you must pay attention to the repayment status. If you are not sure, you can call the credit card service hotline and consult customer service.

Is there any handling fee for inter-bank repayment of credit cards?

Most banks do not charge handling fees for inter-bank repayment of credit cards. The known ones include Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank of China, Bank of Communications, Shanghai Pudong Development Bank, China Everbright Bank, etc. However, there are also a small number of banks that charge handling fees for inter-bank repayments of credit cards. When a user repays a credit card, if a handling fee is charged, it will be displayed on the page

A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It means that the cardholder is required to deposit a certain amount of reserve fund. The so-called credit card generally refers to a credit card only.

A credit card is a payment tool provided by banks to qualified users for overdraft consumption in advance. Cardholders can use credit cards to enjoy a shopping experience of spending first and repaying later, and cardholders use credit cards to make purchases. As long as you repay the loan on time within the stipulated repayment period, there will be no fees. We often hear that swiping a credit card will incur a handling fee. In fact, it means that when a credit card is swiped, the bank will charge a handling fee to the merchant.

In other words, under normal circumstances, cardholders do not need to pay handling fees when swiping their credit cards, but banks will charge handling fees to merchants. That is to say, if a consumer uses a credit card to pay for consumption, the bank will charge a processing fee to the merchant. There are several types of merchant handling fees, and different handling fees will be incurred in different situations.

1. Ordinary merchants. Generally speaking, if a consumer uses a credit card to swipe a card at an ordinary merchant's POS machine, the bank will charge a handling fee of 0.6%. That is to say, if the consumer uses a credit card to swipe 10,000 yuan, the bank will deduct it from the merchant. There is a handling fee of 60 yuan.

2. Discount merchants. If the cardholder uses the card to make purchases at a merchant with preferential cooperation with the bank, the credit card fee rate is usually around 0.38%. That is, if the cardholder spends 10,000 yuan with the card, the bank will charge the merchant a handling fee of about 38 yuan.

3. Zero-rate industry. Zero-rate industries mainly include public schools, public hospitals, non-profit organizations, etc. If cardholders use credit cards to make purchases in these places, these industries do not need to pay card swiping fees to the bank.

4. Scan the QR code to pay. Nowadays, more and more people like to pay by scanning QR code with their mobile phones, such as using WeChat or Alipay. Generally, when paying by scanning QR code and paying by credit card, the handling fee is about 0.38%. That is, if you spend 10,000 yuan by swiping your card, the handling fee will be 38 yuan.

There is a handling fee for inter-bank repayments using WeChat China Bank Card or CCB Credit Card

Bank of China self-service terminal transfer: local inter-bank transfer is RMB 3 for an amount up to RMB 10,000 (inclusive) /transaction, the transfer amount is more than 10,000 yuan and less than 50,000 yuan, the transfer amount is 5 yuan/transaction. It is recommended to contact third-party customer service for consultation on WeChat channel charging standards.

The above content is for your reference, please refer to actual business regulations.

This is the introduction to the introduction of whether there are any handling fees for cross-bank repayments with credit cards.